This institution is no longer active
Operations ceased on January 1, 2026. CRA examination history below reflects the period it was active.
CAPE GIRARDEAU, MO · Supervised by FDIC
Contact & Details
FDIC BankFindFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$235M
Total Deposits
$207M
Net Loans
$201M
Net Income
$3M
ROA
1.14%
Above avg for Small banks. Peer avg: 0.44%
ROE
13.21%
Risk-Based Capital
10.83%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 80 | 83.75% | 2.50% |
| 2023 | 75 | 86.67% | 0.00% |
| 2022 | 109 | 81.65% | 1.83% |
| 2021 | 206 | 93.69% | 0.97% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2023 | Satisfactory | Small Bank |
| Nov 2017 | Satisfactory | Small Bank |
| Dec 2011 | Satisfactory | Small Bank |
1 previous rating locked — back to 2008
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Total Branches
3
Branch Deposits
$200M
1-Year Change
0
5-year net change: -1 branches
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Address
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Established
Total Assets